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"Your Rough Guide to UK Credit Cards"

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Bad Credit? My Options for Creditcards

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Creditcards for People with Bad and Poor Credit

What are My Options

Whenever you apply for any financial product you will always be credit scored by a credit reference agency.

A bad credit record (called an "adverse credit rating" in the business) will be picked up immediately, and, by their very nature, you'll have a problem getting a credit card.

However, all is not lost.

Certain card issuers have turned your problem into a niche market. This gives you more options.

The creditcards you may be able to get will probably be more expensive than the regularly advertised ones. However if you behave yourself for a while with your new credit card, your credit rating will improve in time and you'll be able to climb back up the credit ladder.

Checkout the best buy tables and see if any of the card providers listed are making a point of inviting people with bad credit to apply.

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Credit Card Guide

What is a credit card... The usual terms... How to apply for a creditcard

Interest and Credit Cards... Low interest credit cards... When does the interest charge start... How interest is calculated.. How to get interest-free credit... The APR and Credit Cards...

Introductory deals / special offers... Crad Introductory interest rates...

Card Purchase protection... Faulty goods... Anti fraud guarantees... Emergency cards / cash... CreditCard Protection... Stolen cards / Fraud... Internet crad fraud...

Reward schemes... Cashbacks... Cash withdrawals... Holidays and your card... Free Travel Insurance...

Never heard of the card issuer?...

Minimum payment amounts... Credit Card Statements... Annual Fee... Late Credit Card payments... Credit Limit...

All material UK Credit Card Guide and Information © Moneysorter Ltd 1999 - 2013 | Author: By Ed Parry